Identity verification method using a central biometric authority
DCFirst Claim
1. A method for processing information from a first party to a transaction, comprising the steps of:
- obtaining a direct biometric sample from the first party to the transaction, without requiring a private code;
processing the first party'"'"'s direct biometric sample to create biometric data;
comparing the first party'"'"'s biometric data, without the private code, against biometric information previously stored in a database of a third party that has biometric information from a plurality of parties;
generating a result based on the comparison;
transmitting the result of the comparison to the second party to the transaction.
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Abstract
A method performs biometric verifications to authenticate the identification of users using a central biometric authority (CBA). This allows parties to an electronic transaction to be assured of each other'"'"'s identity. Specifically, at the sender side, a first message to a receiver is generated, wherein the first message includes a message text and a unique message identifier (UMI). At the sender side, a second message concerning a posting to the CBA is also generated, wherein the second message includes the sender'"'"'s biometric sample, the UMI, and the sender'"'"'s submission profile record. At a receiver side, it is decided that if a receiver wishes to verify the sender'"'"'s identity and if so, the first message is automatically verified. At the receiver side, a third message concerning a receiver'"'"'s posting to the CBA is issued, the third message including only the UMI, as received from the sender side. Finally, at the CBA, a reply to the third message is provided, the reply including the sender'"'"'s verification result.
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Citations
98 Claims
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1. A method for processing information from a first party to a transaction, comprising the steps of:
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obtaining a direct biometric sample from the first party to the transaction, without requiring a private code; processing the first party'"'"'s direct biometric sample to create biometric data; comparing the first party'"'"'s biometric data, without the private code, against biometric information previously stored in a database of a third party that has biometric information from a plurality of parties; generating a result based on the comparison; transmitting the result of the comparison to the second party to the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A method for processing information from a first party to a transaction, comprising the steps of:
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obtaining a direct biometric sample from the first party to the transaction, without requiring a private code; transmitting the direct biometric sample to a remote third party having a database that contains biometric information from a plurality of parties; processing the first party'"'"'s direct biometric sample to create biometric data; comparing the first party'"'"'s biometric data, without the private code, against biometric information previously stored by the remote third party in the database; generating a result based on the comparison; and transmitting the result of the comparison to a second party to the transaction. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42)
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43. A method for processing information from a first party to a transaction, comprising the steps of:
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obtaining a direct biometric sample from the first party to the transaction, without requiring a private code; processing the first party'"'"'s direct biometric sample to create the first party'"'"'s biometric data; transmitting the first party'"'"'s biometric data to a remote third party having a database that contains biometric information from a plurality of parties; comparing the first party'"'"'s biometric data, without the private code, against biometric information previously stored by the remote third party in the database; generating a result based on the comparison; and transmitting the result of the comparison to a second party to the transaction. - View Dependent Claims (44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63)
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64. A method for processing information from a first party to a transaction, comprising the steps of:
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obtaining a biometric sample from the first party to the transaction, without requiring a private code; transmitting the biometric sample to a remote third party having a database that contains biometric information from a plurality of parties; comparing the first party'"'"'s biometric sample, without the private code, against biometric information previously stored by the remote third party in the database; generating a result based on the comparison; and transmitting the result of the comparison to a second party to the transaction. - View Dependent Claims (65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84)
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85. A method for verifying a first party'"'"'s identity to a transaction using biometric sample data, comprising the steps of:
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obtaining biometric sample data from the first party as part of the transaction, without requiring a private code; transmitting the obtained first party'"'"'s biometric sample data to a remote third party centralized biometric authority (CBA) database for verification, the database having biometric information from a plurality of parties; comparing the party'"'"'s biometric sample data, without the private code, against the biometric information stored on the CBA database; verifying the identity of the first party when a match occurs during the comparison; and issuing, by the CBA, a reply to a second party based upon the verification result. - View Dependent Claims (86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96, 97, 98)
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Specification